Do you need your spouse to know about personal credit loans?
Under normal circumstances, if a borrower goes to the bank to apply for a personal credit loan, the bank will not inquire about the credit information of the borrower's spouse. According to the regulations of the bank, except for large loans, such as mortgages and car loans, most of the loans are personal loans. Whoever borrows money will check his own credit, and will not consult other people's opinions or details.
Of course, married people who apply for loans from banks have an advantage in the eyes of banks. Because married people often have more funds available than unmarried people, banks generally have higher loan quotas than unmarried people.
Whether the borrower is married or unmarried, it is very important to submit personal identification information, especially income proof, when applying for a loan from a bank. For banks, the most important thing is actually the borrower's ability to repay loans. If the borrower has insufficient repayment ability, he can't apply for a loan regardless of whether he is married or not.
After the loan application, the borrower also needs to repay the loan on schedule. If a married person loans overdue, his wife will also be affected by his credit history. If he wants to apply for a mortgage or car loan in the future, the impact on his family will be enormous.
The above is "Do you need your spouse to know about personal credit loans?" I hope I can help you!